Me!!! I am doing better now but for several years I would buy clothing, shoes and model horses and not pay utilities or mortgage. I got 6 months behind on mortgage and they threatened legal action to take back my farm if I didn't do better. That was a wake up call for me. Now I pay utilities before I spend all my money except I have developed a bad habit of not paying electric in Dec to spend on Christmas because I know that they are not allowed to disconnect electric November through March. Then I always struggle to get caught up in March.

I still buy things I don't really need and seldom pay my medical bills so my credit is crap now.